Garrard County property record for 1044 Settlement Dr, Lancaster, KY 40444
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 2 ba |
| Lot Size | 6.92 acres (301,435 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $290,000 (May 2023) |
| Tax Bill | $1,553 (2025) |
| Deeds & Mortgages | May 2023 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 05C-07 |
| Primary APN | 05C-07 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Exterior Material | Vinyl |
|---|---|
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 301,435 sqft (6.92 acres) |
| Garage Type | Attached |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Connected |
| Account Number | 24933 |
|---|---|
| Street Address | 1044 SETTLEMENT DR |
| City | LANCASTER |
| State | KY |
| Zip | 40444-8251 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | LOTS 42 43 & LOT W/ 6.92 AC & HOUSE |
| Legal Subdivision | HOMESTEAD HERRINGTON SUBDIVISION |
| Legal Lot Number | 42-43 |
| Jurisdiction | GARRARD KY |
| Township / Civil Division | BRYANTSVILLE |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 970102 |
Source: Garrard County records, as of September 23, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1044 SETTLEMENT DR, LANCASTER, KY 40444-8251 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 26, 2023 · Amount on File |
| Deed Sale | May 26, 2023 · Amount on File |
| Deed Document Number | 2023175808 |
| Deed Book / Page | 321 / 373 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | GARRARD KY |
| Recording Date | May 26, 2023 |
| Property Address | 1044 SETTLEMENT DR, LANCASTER, KY 40444-8251 |
| Document Number | 00D321/373 |
| Book / Page | D321 / 373 |
| Map Reference | DB 167 PG 119 |
| Instrument Date | May 25, 2023 |
| Instrument | 175808 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Amount | Amount on Record |
|---|---|
| Tax | $290.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1044 SETTLEMENT DR, LANCASTER, KY 40444-8251 |
| Name | Verified Name |
|---|---|
| Address | 1044 SETTLEMENT DR, LANCASTER, KY 40444-8251 |
Source: Garrard County assessment roll, as of May 5, 2026
| Type | Name |
|---|---|
| State | Kentucky |
| County | Garrard County |
| Unified School District | Garrard County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $200,000 (-) | $290,000 (+45%) Land $290,000 | |
| 2025 | $1,553.00 (-2.27%) Homeowner's exemption | $200,000 (-) Land $20,000 Building $180,000 | $200,000 (-) Land $20,000 Building $180,000 |
| 2024 | $1,589.00 (+44.06%) Homeowner's exemption | $200,000 (+33.33%) Land $20,000 Building $180,000 | $200,000 (+33.33%) Land $20,000 Building $180,000 |
| 2023 | $1,103.00 (+3.28%) Homeowner's exemption | $150,000 (+7.14%) Land $20,000 Building $130,000 | $150,000 (+7.14%) Land $20,000 Building $130,000 |
| 2022 | $1,068.00 Homeowner's exemption | $140,000 Land $20,000 Building $120,000 | $140,000 Land $20,000 Building $120,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective December 21, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 63% of Kentucky |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | GARRARD CO WATER ASSOC INC private · serves 14,806 people · EPA ID KY0400151 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Jun 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 40 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber | 2,000 / 2,000 |
5G (outdoors only) and 4G LTE
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